and he has literally revolutionized the student loan law. from now on, beginning next year, listen to this, every person in america who has a college loan beginning next year will, first of all, get it at a lower cost and will have the absolute right to pay that loan back as a low, fixed percent of their income for 20 years. and since in this last decade we have fallen to 15th or so in the percentage of our young people with four-year college degrees, this is great. it means nobody ever has to drop out of college again. ever because of the cost. one of the reasons middle class people didn't get a pay raise in the last decade is that health care costs went up so much. the health care law has not only allowed three million young people to be on their parents' insurance policy for the first time, has not only made it possible beginning next year, if he wins, for more than 30 million americans, many with preexisting conditions to be insured, not only has made it legal for women to be charged the same as men for the same health care, but the last